AML Officer / MLRO (UK)

About Crossmint

Crossmint is the leading enterprise-grade, all-in-one stablecoin infrastructure enabling fintechs and enterprises to integrate stablecoin rails and smart wallets with speed, compliance, and scale. Trusted by more than 40,000 clients including global leaders such as MoneyGram, WireX, Toku, and more. Crossmint provides embedded smart wallets, on/offramps, cross-chain stablecoin orchestration, token checkout, and other blockchain primitives through simple, developer-friendly APIs, no blockchain engineers required. Backed by Ribbit Capital, Franklin Templeton, and other top investors. The future of finance is crypto-native. Crossmint makes it easy to get there.

Location: Remote within the United Kingdom.

Type of Employment: Full-time, permanent role.

The Role

We are looking for an experienced AML Officer / Money Laundering Reporting Officer (MLRO) to take ownership of Crossmint’s UK AML framework and act as the primary point of accountability with UK regulators. You will be responsible for ensuring that Crossmint meets its obligations under the UK Money Laundering Regulations, Proceeds of Crime Act, and FCA expectations, while supporting a fast-growing, globally distributed fintech operating at the intersection of crypto, payments, and stablecoins. This is a senior, hands-on role with direct visibility across the business. You will design and maintain the UK AML program, oversee high-risk decisions, file SARs, engage with the FCA and other authorities, and partner closely with Legal, Risk, Product, and Engineering to ensure compliance is embedded into how Crossmint operates. As Crossmint scales in the UK and Europe, you will also play a key role in aligning UK requirements with broader EU and global AML frameworks.

What You’ll Do

• Act as UK MLRO: Serve as the nominated MLRO for the UK entity. Maintain responsibility for SAR decision-making and submissions to the NCA. Act as the main point of contact for the FCA and other UK authorities.
• Own the UK AML Framework: Design, implement, and continuously improve UK AML and CTF policies, procedures, and controls. Ensure compliance with UK MLRs, POCA, TACT, and FCA guidance applicable to cryptoasset businesses.
• Hands-On Oversight: Review and decide on escalated high-risk customers and transactions. Oversee Enhanced Due Diligence for complex or high-risk clients. Provide final sign-off on sensitive onboarding and exit decisions.
• Regulatory Engagement and Reporting: Manage regulatory filings, inspections, audits, and information requests. Prepare and deliver MI, risk assessments, and AML reporting to senior management and the board.
• Cross-Functional Collaboration: Work closely with Legal, Risk, Finance, Security, and Product teams. Advise product and engineering teams on AML implications of new features, markets, and partnerships.
• AML Culture and Training: Deliver AML training across the UK business. Promote a strong compliance culture that supports growth while managing risk.

What We’re Looking For

• 5 to 8+ years of experience in AML and financial crime compliance within fintech, payments, crypto, or regulated financial services.
• Prior experience acting as MLRO or Deputy MLRO in the UK, or clear readiness to assume full MLRO accountability.
• Strong working knowledge of UK Money Laundering Regulations, Proceeds of Crime Act and Terrorism Act, FCA expectations for cryptoasset and payments firms.
• Hands-on experience with SARs, KYC and KYB, EDD, sanctions screening, transaction monitoring, and risk assessments.
• Familiarity with crypto and blockchain compliance is highly desirable, including on-chain risk and exposure.
• Experience working with or implementing tools such as Chainalysis, Elliptic, Persona, Notabene, or similar.
• Understanding of broader regulatory frameworks such as MiCA, FATF Recommendations, GDPR, and operational resilience requirements.
• Professional certifications such as CAMS or ICA qualifications are a strong plus.
• Excellent judgment, communication skills, and confidence engaging with regulators and senior stakeholders.
• A pragmatic mindset. Comfortable setting strategy, but equally comfortable making difficult decisions and reviewing cases directly.

Why Join Crossmint?

• True Ownership: Act as the UK MLRO with real authority and influence over decisions.
• High Impact: Shape the AML function of a rapidly scaling crypto-native fintech.
• Regulatory Exposure: Engage directly with UK regulators in a space that is actively evolving.
• Cross-Functional Role: Work closely with Product, Engineering, Legal, and Risk teams.
• Career Growth: Opportunity to expand scope as Crossmint grows across the UK and Europe.

Benefits

• Highly competitive compensation.
• Performance-based bonuses.
• Stock options program.
• Unlimited, flexible PTO.
• Company laptop and home office allowance.
• Flexible working hours.
• Company-paid off-sites and team events.
• Local, flexible benefits.

Talent research indicates that women are often less inclined than men to apply for a role unless they have experience in 100% of the listed skills. However, this list is only a guide. We welcome your application even if you feel you meet around 75% of the requirements. At Crossmint, we believe skills can be learned, and diversity makes us stronger. We work to foster a respectful environment where each person can be their authentic self, free from harassment, racism, and any form of discrimination. We proudly uphold our commitment to diversity and inclusion as an equal opportunity employer, and this policy applies to all employment practices within our organization.

Please note that Crossmint never conducts AI-based interviews, and all of our processes include an initial video call with a team member. Crossmint will not request your personal identification documents or any payment at any point during your interview process. Please stay vigilant about potential fraud. If you receive an email that claims to be from Crossmint but ends with any domain other than @crossmint.com, @crossmint.io or @paella.dev, it is not from us. We own these three domains listed before, and they are the only legitimate ones. Please let our Talent Team know if you need any assistance completing any forms, or participating in the process.